A & L PROPERTY INVESTMENTS LIMITED
🌳Matureactive
05778403 · ltd · incorporated 2006-04-12
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 19.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£86.6k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
ALSO REGISTERED FOR
- 68100Buying and selling of own real estate
Investor take
PursueActive trading company with a 64-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 19.2y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 19.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
58 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £86,633
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£87k
↑ 1.7% YoY
Current Assets
£7k
↓ 39% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £87.5k | £87.8k |
| Current assets | £7.0k | £11.4k |
| Net assets | £86.6k | £85.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
Last 30 days
0
filings
Last 90 days
13
filings
- • 7 persons-with-significant-control
- • 5 officers
- • 1 confirmation-statement
Last 180 days
14
filings
- • 7 persons-with-significant-control
- • 5 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-03-30📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-30📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-03-30📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-30📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-30📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-03-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-03-24📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2025-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-11-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2007-04-04🔒Charge registered #1Lender: Skipton Building Society
- 2006-04-12🏢Company incorporatedAs A & L PROPERTY INVESTMENTS LIMITED
- 2006-04-12➕LUSTMAN, Arnold Marc appointedsecretary
- 2006-04-12➕HOPE-LUSTMAN, Alexandra Diana appointeddirector
- 2006-04-12➕LUSTMAN, Arnold Marc appointeddirector
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Alexandra Diana Hope-Lustman Individual · British · DOB 11/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 24/03/2026 |
Mr Arnold Marc Lustman Individual · British · DOB 09/1963 · age 63 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 24/03/2026 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| 4 PILLARS FINANCIAL PLANNING LTD→ 11609845 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 56 WINDMILLS LTD→ 16115368 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALAN LEE ACCOUNTANCY SERVICES LTD→ 03156894 · est 1996 · no financials extracted | — | — | — | — | 30y | — | — |
| ALLTRUST SERVICES LIMITED→ 05365396 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| AN INVISIBLE HAND LIMITED→ 16067860 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANIMAL FRIENDS INSURANCE SERVICES LIMITED→ 03630812 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| APPLESHAW INVESTMENTS LTD→ 13523998 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| APX HOLDINGS LTD→ 16198257 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AUTOBAHN ADMINISTRATION LTD→ 13176835 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AUTOCOM U.K. LIMITED→ 01725016 · est 1983 · no financials extracted | — | — | — | — | 42y | — | — |
| BARK CONSULTING LTD→ 07884075 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BEIA CAPITAL LIMITED→ 06867244 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2006-04-12
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Carriers Crossing
Stratford Sub Castle
Salisbury
SP4 6AE
England
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-04-12
Last: 2026-03-29
Officers (3 active · 0 resigned)
LUSTMAN, Arnold Marc→
Activesecretary · appointed 2006-04-12
View their other companies + combined net worth →
HOPE-LUSTMAN, Alexandra Diana→
Activedirector · ~64y · appointed 2006-04-12
View their other companies + combined net worth →
LUSTMAN, Arnold Marc→
Activedirector · ~63y · appointed 2006-04-12
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Skipton Building Society | Legal charge | 1 property | 04/04/2007 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (58 total)
change-person-director-company-with-change-date
officers · CH01
2026-03-30
change-person-secretary-company-with-change-date
officers · CH03
2026-03-30
change-person-director-company-with-change-date
officers · CH01
2026-03-30
change-person-director-company-with-change-date
officers · CH01
2026-03-30
change-person-director-company-with-change-date
officers · CH01
2026-03-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-24
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2026-03-24
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-01